FIU - Plans Accepted For School Requirements
Health Insurance

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School Coverage Periods & Rates

ANNUAL 2023-2024
PSI Sapphire Plan Health insurance

Sapphire Plan

  • No Lifetime Limits On Benefits
  • $500,000 per Injury/Illness
  • Coinsurance: 80% In-Network
  • Mental health coverage
  • Prescription Drugs: 80% of Usual Charges
  • Out-of-Pocket Maximum $2000 In-Network
  • Pre-ex Conditions - No limits
  • $45 Deductible at Student Health
  • Medical Evacuation/Repatriation - $60,000
  • Return of Mortal Remains - $50,000
  • COVID is treated like any other sickness
PSI Gold Plan Health insurance

Gold Plan

  • No Lifetime Limits On Benefits
  • $2,000,000 per Person per Policy Year
  • Coinsurance: 80% In-Network
  • Preventive Care, GYN exams, Vaccines
  • Prescription Drug Benefit
  • Mental Health Benefit
  • Alcohol and Substance Abuse
  • Maternity Care Benefits
  • Pre-ex Conditions waiting period 6 mos
  • No Copays/Deductible at SHC
  • Medical Evacuation & Repatriation
PSI Blue Diamond Health insurance

Blue Diamond

  • Unlimited Maximum & Lifetime Benefit
  • 80% In-Network Coinsurance
  • Hospitalization, Inpatient Benefits
  • Preventive Care, GYN exams, Vaccines
  • Prescription Drugs: $30 copay, 80% Co-ins
  • Student Pre-Ex Condition No Limits
  • Mental Health Benefits
  • Alcohol & Substance Abuse
  • Maternity Care Benefits
  • Out-of-Pocket Max $6,350/year
  • No Copays at SHC
  • Medical Evacuation & Repatriation
PSI gathered this information as a resource for students, and this does not intend to imply a relationship between your school and our website, or company. Our plans simply offer an alternative to the university's student health insurance plan.

Claim Procedures

Step 1: Bring Your Insurance ID card

Login to your PSI account and print your Insurance ID Card. Always present your Insurance ID Card to your Doctor or Hospital so they can submit your claim directly to us.

Step 2: Visit your Student Health Center or a Preferred Provider

If you are sick or injured, please visit the Student Health Service first. If not available, proceed to a Preferred Provider Network.
We encourage students to use a Preferred Provider whenever possible for two reasons:

1) They have a contract to bill us directly for services so you don't have to pay out of pocket and then file a claim yourself;

2) They have agreed to contracted pricing for covered medical expense, which means your medical cost and charges are kept as low as possible and never exceed the set price which providers accept as payment.

If you visit an Out-of-Network Doctor or Hospital, ask if they can submit claims on your behalf. If they cannot, you will be required to pay for your medical bills during your visit. Afterwards, seek reimbursement by filing a claim. Simply download a Claim Form, Complete, and Sign then include a copy of your ID Card with your medical bills or receipts.


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